LTV · monthly repayment
▼ 0.50% · 3.625%
HK$89,218
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,993
−HK$2,819/mo
Today · 4.125%
HK$94,812
baseline
▲ 0.50% · 4.625%
HK$100,582
+HK$5,770/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,624/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,254
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,916
−HK$2,700/mo
Today · 4.125%
HK$104,616
baseline
▲ 0.50% · 4.625%
HK$110,131
+HK$5,515/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,232/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,061
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,391
−HK$3,384/mo
Today · 4.125%
HK$113,775
baseline
▲ 0.50% · 4.625%
HK$120,698
+HK$6,923/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,550/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,105
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,299
−HK$3,240/mo
Today · 4.125%
HK$125,539
baseline
▲ 0.50% · 4.625%
HK$132,157
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,078/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,905
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,790
−HK$3,947/mo
Today · 4.125%
HK$132,737
baseline
▲ 0.50% · 4.625%
HK$140,814
+HK$8,077/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,474/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,955
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,682
−HK$3,781/mo
Today · 4.125%
HK$146,463
baseline
▲ 0.50% · 4.625%
HK$154,183
+HK$7,720/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,926/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,592
−HK$10,070/mo
▼ 0.25% · 3.875%
HK$165,587
−HK$5,075/mo
Today · 4.125%
HK$170,662
baseline
▲ 0.50% · 4.625%
HK$181,047
+HK$10,385/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$341,324/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,657
−HK$9,652/mo
▼ 0.25% · 3.875%
HK$183,448
−HK$4,861/mo
Today · 4.125%
HK$188,309
baseline
▲ 0.50% · 4.625%
HK$198,235
+HK$9,926/mo
Deposit HK$3.91M · loan HK$35.21M · min. income ≈ HK$376,618/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,662,863 · Scale 2, in force from 26 Feb 2026)